Subject: File No. S7-25-99
From: Kelli Warriner Crego
Affiliation: Certified Financial PlannerTM

August 23, 2004

File No. S7-25-99

-I respectfully request that you consider withdrawing the above rule proposal as I believe it does not serve the public good and could, in fact, be harmful to consumers by creating two different levels of duty to client. Thank you.